Miami-Dade County Down Payment Assistance Program

Special Alert

For acceptable list of closing cost items that program funds can cover, please call: Eric Johnson @ 305-375-1815.

Maximum Purchase Price


Contact Info:



Must be a Miami-Dade County resident at time of application. Amount of down payment assistance will be based on underwriting by the first mortgage lender.

Credit Score Requirements

PHCD housing programs do not have a minimum credit score requirement or threshold; the Department however reserves the right to ask for explanations of any derogatory or negative items contained in the credit report. In situations whereby a collection appears on the credit report, whether or not those collections require repayment prior to the loan closing is left to the discretion of PHCD. All collection items related to a County Program or including a County medical collection, must be paid prior to closing.

Deferred Payments?

Yes, for 30 years

Accepted First Mortgage Type:

Freddie Mac, Freddie Mac HFA Advantage, Freddie Mac Home Possible, Fannie Mae, Fannie Mae HFA Preferred, Fannie Mae HomeReady, FHA 203(b)

Homeowners Education Class:


Is Forgivable?


1 County: Miami-Dade Properties must be within the geographic boundaries of Miami-Dade County.

Income Limitations:

Yes, based on Compliance Income Income limits from HUD 2022 140% AMI guidelines Low income and moderate-income households at or below 140% of AMI (Area Median Income).

Maximum Assistance

$35,000 Up to $35,000 in assistance.

Education Requirements Info:

The homebuyer is required to attend the homebuyer counseling agency class before meeting with the first lender. The first lender is required not to begin the application process without the certificate. The applicant(s) must provide the Homebuyer Counseling certificate from the class to the first lender. (The certificate is valid for one year). The homebuyer is also required to provide the certificate to PHCD at the interview for the second mortgage. Additional HUD Approved Counseling Agencies:

Eligible Property Types:

Single Family Detached Condo Townhome/PUD Twin Home

Income By Household Size:

HH1HH2HH3HH4HH5HH6HH7HH8 $95,620$109,200$122,920$136,500$147,420$158,340$169,260$180,180 *Income limits as of 05/08/2023

Qualifying Ratios:

Housing Ratio: At Least 40% Total DTI: Up To 50%